I’m so excited to have a “new” car!
My van is still with us, as well. It will still be used for “heavy lifting,” but the gas mileage and some other issues have made it an unwise investment to keep on the road full time.
So, what is a Hermit to do? Sit down with the bills and income and take a realistic view of what my budget can do.
I found that (with some help from the other Hermits) I was able to make a very reasonable purchase of a car that will be a much better investment as a full-time vehicle. Amazing how two years ago, I was going through a repossession, and had a credit score lower than what most people make every two weeks. Now I have a newly remodeled beautiful home, a Honda Odyssey that seats 8 comfortably and has amazing hauling capability, and a beautiful Mazda 6i that is in almost perfect condition.
The Mazda will run like a scalded dog, just in case you were wondering, but that was only a test to see what would happen. I was obviously very pleased with the results. Both are under what I can budget for vehicle payments and insurance. That was a very wise and dependable purchase.
Remember what I have said about failure being a made up notion? I never once thought that I would not be able to get the car. I just thought about what it would take to get it. My credit took a hit because of the inquiry by the finance company, but I will gain those points back, plus more in a few months. The interest is pretty high, because my score is still not that high. Also, the car was a steal in price, so the lender charged more interest than they would have on a more expensive vehicle so they can make their money.
They just don’t know that I budgeted for double payments, so they might make half the projected interest if they’re lucky. Maybe. Did I mention I understand how interest works, and I won’t deal with anyone who charges penalties or fees for extra/early pay offs? I didn’t get where I am all alone either. Lee and Sue Ann have made a huge impact on where I am today, and the mindset that I have now.
I know we all have unique situations and people always like to say, “If I can do it, you can too!” Well, not necessarily. I am really good with numbers and some are not. I am not a very good transmission repair person, but others are. We all have things that we are great at and things we are not great at. How we can all be alike though is to stop doubting ourselves and realize that we don’t have to settle for less than we want just because we can’t have it right now. I want a Jeep Wrangler and am very specific on it. I can’t afford the $36,000 that it would cost right now, but that doesn’t mean I will never have one. See where I’m going with this?
Anything worth having is worth fighting for, working for, and waiting for. That includes the you that you want to be.
Mandi, signing off for now and just wanting to remind you of these things, in case no one else is reminding you. Peace out!Hermann says please like and share!